Cheap Florida Car Insurance

Here's what you need to know when driving in Florida

In Florida, auto insurance costs $2,425 a year on average — that's 59% more than the national average. Car insurance rates are determined by many factors, including a driver's age, driving history and location. To help you find an affordable policy, we analyzed average Florida car insurance rates to give you a frame of reference to determine whether what you're paying is fair.

Continue reading to learn how much auto insurance costs in Florida, or if you're ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies.

The best car insurance companies in Florida

Here are the top three car insurance companies in Florida, according to third-party ratings from J.D. Power.

The cheapest car insurance companies in Florida

These companies offer the cheapest rates in the following scenarios.

Florida auto insurance laws

Car insurance is mandatory in almost every state. In Florida — which is a no-fault state — the requirements for car insurance coverage differ from most other states. Rather than requiring bodily injury liability coverage (which is usually mandatory), Florida doesn't require it. Instead, personal injury protection (PIP) is relied upon to cover injuries.

If you choose the legal minimum coverage level in Florida, expect to pay an average of $754 annually. This rate is less expensive than the nationwide average by 51%.

State minimum coverage

In order to drive legally in the state of Florida, you must carry at least the minimum liability limits listed below:

• Property Damage Liability: $25,000 per accident
• Personal Injury Protection: $10,000 per person

If you want more robust protection and coverage, you can choose a policy with comprehensive and collision, which will protect you against the costs of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.

Just keep in mind that better coverage comes at a cost: in Florida — which already tends to be an expensive state for auto insurance — a comprehensive insurance policy with a $1,000 deductible costs $2,268, 201% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 232% more than you would for basic coverage.

Florida car insurance premiums by rating factor

A number of individual factors go into calculating what you pay for auto insurance, including your coverage level, driving history, location and more. To get a better idea of how much you should be paying in premium in Florida, we gathered average rates by rating factor below.

Cheap auto insurance in Florida for minimum coverage

Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Florida, the average cost for minimum coverage is $63 per month, or $754 yearly — a savings of $1,749 compared to full coverage.

Cheap auto insurance in Florida with bad credit

In almost all states, your credit score is a factor that affects your rate. This is because data informs insurance companies that drivers with poor credit tend to carry more risk, and thus, rates are much higher if you have bad credit. On average, Florida drivers with poor credit pay $2,533 more every year than those with great credit. Take a look at how different companies charge those with bad credit below.

Cheap auto insurance for young drivers in Florida

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.

Florida auto insurance rate by violation

When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company's pricing standards and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Florida after a few common citations.

Florida DUI laws

In Florida, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance after a DUI violation can be a challenge. In fact, a DUI often triggers a bigger premium increase than most single road violations.

Low-cost car insurance after a DUI in Florida

If you're convicted of a DUI or DWI violation in Florida, it’s important to assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Florida, Travelers, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.

There is no insurer in particular that offers an inexpensive DUI car insurance rate that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.

Florida SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.

How to acquire an SR-22 in Florida

For currently insured drivers

If you possess an active auto insurance policy, requesting an SR-22 is straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from buying insurance from some carriers, while others will sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.

Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Santa Rosa Beach, Florida, and the most expensive in Westview, Florida.

Have a look at the table below to see average car insurance costs in some of Florida's biggest cities.

Car insurance price trends in Florida

In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $2,425 per year.

Year over year pricing trends in Florida gravitate from sharp increases — sometimes by as much as hundreds of dollars — and less commonly, slight dips. The steepest decrease occurred from 2013 to 2014, while the highest surge took place from 2015 to 2016. In contrast, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Florida car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.